276 Holdings

What 276 Holdings does

276 Holdings is a South Korea-based fintech founded in 2019 that addresses structural working-capital gaps faced by small and medium-sized enterprises (SMEs) in the country's approximately 5,000 trillion KRW annual receivables market, of which roughly 99% sits in a financial blind spot. The company targets Korean SMEs confronting 30-120 day payment cycles and collateral-based lending exclusions, offering a horizontal platform that combines receivables digitization, AI-powered credit evaluation, and short-term financing under three integrated products: FlowPoint (digital transaction record management and receivables securitization), FlowScore (real-time credit evaluation across 491 variables), and FlowPay (BNPL service enabling SMEs to receive raw materials immediately with 60-day deferred payment). The underlying technology is an AI-based credit evaluation model trained on more than five years of proprietary B2B transaction data, which the company reports reduces prediction error by more than 50% compared to traditional rule-based systems.

The business model is primarily transaction-fee based, monetizing through receivables liquidation/factoring spreads, FlowPay BNPL economics, and likely subscription or per-inquiry pricing for FlowScore credit evaluation. GTM is product-led and digital-first via the FlowPay (flowpay.kr) and FlowPoint (flowpoint.kr) web platforms, supplemented by earned media in Korean financial press, government-backed startup programs (TIPS, GMEP, DATA-Stars, K-Global), and industry events (FinTech Week, FinConnect Demo Day, Nexus Luxembourg). The company employs a team of 1-10 and has accumulated 970+ SME member companies as of April 2024, achieving approximately 400% YoY revenue growth in 2024. Headquartered in Incheon with international operations expanding through a Singapore subsidiary, 276 Holdings raised approximately 29 billion KRW (~$2.2M USD) in Series A funding in September 2025 led by Korean Investment Accelerator, following earlier pre-A rounds from Suigenesis Partners, Magna Investment, InfoBank, SoPoong Ventures, and Korea Social Investment. Leadership is held by CEO Shin In-geun and Director Park Jinyong, and the company has accumulated a high density of government and industry awards including consecutive Ministry of SMEs and Startups Minister's Awards (2025-2026), a Ministry of Science and ICT Minister's Award (2024), and GFM Review (UK) Most Innovative Wealth Management recognition.

Name

276 Holdings

Legal name

(주)276홀딩스

Website

https://276holdings.com

Company type

Private

Founded year

2019

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

SME Supply Chain Finance

NAICS

Sales Financing (52222)

SIC

Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

B2B / Invoice-Based BNPL (Trade Credit at Checkout) (FSAGAIAC)

akta.pro secondary industries

B2B BNPL (Invoice Split/Net Terms for SMB Procurement) (FSAKACAJ), Invoicing, Billing & Accounts Receivable Automation (FSAGAJAC), SME Credit Risk, Underwriting & Financial Data (B2B Fintech Data/Decisioning) (FSAGAJAM)

Keywords

• SME supply chain finance
• Receivables financing platform
• B2B credit evaluation
• BNPL raw materials
• Digital invoice management

Headquarters

HQ city

Seoul

HQ country

South Korea

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Receivables Liquidation / Factoring Fees: Platform-based services for receivable securitization and liquidation for SMEs. Companies pay fees to digitize and monetize their receivables.
2. FlowPay BNPL Service: Buy Now Pay Later service for raw material procurement, generating revenue through the spread between purchase cost and deferred payment terms.
3. FlowScore Credit Evaluation: Real-time credit scoring service analyzing 491 variables for SME creditworthiness, likely monetized on a per-inquiry or subscription basis.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

276 Holdings operates a supply chain data-based financial platform for SMEs in South Korea, offering three integrated products: FlowPoint digitizes and securitizes receivables by converting paper contracts into unified digital transaction records; FlowScore provides real-time AI-powered credit evaluation by analyzing 491 variables per transaction; and FlowPay delivers BNPL services allowing SMEs to receive raw materials immediately while deferring payment for 60 days. The company's proprietary AI credit model, built on 5+ years of proprietary B2B transaction data, reduces prediction error by over 50% versus traditional rule-based systems.

Product overview

276 Holdings operates a platform-plus-modules architecture centered on its FlowPoint receivables financing platform. FlowPoint serves as the core platform for digital transaction records and receivables securitization. Built on top of FlowPoint are two integrated modules: FlowScore, which provides real-time AI-powered credit evaluation by analyzing 491 variables, and FlowPay, which offers BNPL functionality enabling SMEs to receive materials now and pay in 60 days. The three products work together as an integrated supply chain finance solution covering data accumulation, credit evaluation, and capital execution.

Differentiator

Problem solved

Functional benefit

Brands

• FlowPay: BNPL service allowing SMEs to receive raw materials now and pay after 60 days, enabling business expansion without working capital concerns.
• FlowScore
• FlowPoint

Products and services

• FlowPoint Digital transaction record and receivables financing platform that consolidates scattered paper contracts into unified digital transaction histories, providing full visibility across the entire supply chain and enabling SME receivables securitization. Targeted at SMEs that need to digitize and liquidate their trade receivables.
• FlowScore Real-time AI-powered credit evaluation system that analyzes 491 variables to instantly assess the safety and creditworthiness of B2B transactions, enabling rapid credit decisions for SME financing decisions.
• FlowPay Buy Now Pay Later (BNPL) service enabling SMEs to receive raw materials immediately while deferring payment for 60 days, helping businesses expand sales without working capital concerns.

Quantifiable outcome

• Over 50% reduction in credit evaluation prediction error compared to traditional rule-based systems
• +3 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability2 records

Feature4 records

Partnerships

Five partnerships are on record, tiered core, strategic and minor.

• AI Agreement (에이아이지먼트)coreStrategic or Co-development Partner · 16 March 2026Strategic MOU signed for SME purchase innovation. AI Agreement provides AI-based purchase cost reduction solutions while 276 Holdings provides B2B financial solutions, targeting comprehensive SME operational efficiency.
• C&T (씨앤테크)strategicStrategic or Co-development Partner · 25 June 2025Strategic MOU signed at Luxembourg Embassy reception event. C&T is a Luxembourg-based technology partner that co-exhibited at Nexus Luxembourg 2025 with 276 Holdings under Korea Fintech Support Center.
• Singapore and Vietnam SME Data PartnersstrategicTechnology or Integration · 1 January 2025Conducted proof-of-concept validation using SME data from Singapore and Vietnam as part of AI credit evaluation model development and regional expansion strategy.
• Sejong University (세종대학교)strategicStrategic or Co-development Partner · 31 December 2024Joint research project to evaluate SME credit and operational status using AI, and propose customized funding solutions. Research focused on activating SME working capital support.
• Big Uncle Company (큰삼촌컴퍼니)minorStrategic or Co-development Partner · 20 March 2023Partnership to support Seoul Dongdaemun fashion market SME merchants with operational support and financial solutions.

Scale indicators7 records

Recent moves7 records

Expansion highlights8 records

Direct peers

• C2FO: Global B2B working capital platform that lets businesses accelerate receivables and extend payables dynamically; directly comparable to 276 Holdings' FlowPoint receivables financing and FlowPay BNPL for SME procurement.
• Resolve: B2B BNPL and invoice financing platform for SMBs; closely aligned with FlowPay's 60-day deferred-payment raw material financing and FlowPoint's receivables digitization.
• Fundbox: US-based SMB working capital and invoice-based credit platform; comparable business model of using transaction data to extend short-term credit to SMEs.
• BlueVine: Provides invoice factoring, lines of credit, and working capital to small businesses; directly comparable to FlowPoint receivables financing for SMEs with collateral-light profiles.
• Behalf: B2B financing and BNPL for SMB purchases from suppliers; mirrors FlowPay's procurement BNPL model with deferred payment for raw materials and inventory.

Regional players

• Funding Societies: Southeast Asian SME financing platform operating across Singapore, Indonesia, Malaysia, Thailand; highly relevant as 276 Holdings expands into Singapore and Vietnam with overlapping SME receivables financing products.
• Aspire: Singapore-headquartered all-in-one financial platform for SMBs offering credit lines, payables, and receivables; comparable Southeast Asia SME finance stack that 276 Holdings targets with its Singapore subsidiary.
• PeopleFund: Korea's leading P2P/invoice financing platform serving SMEs; directly comparable Korean SME receivables financing peer.

Emerging players

• Credolab: Alternative credit scoring using transaction and behavioral data; comparable to 276 Holdings' FlowScore AI credit evaluation of 491 variables from B2B transaction data.

Broad incumbents

• Toss Bank: Korean digital bank offering consumer and SME lending, payments, and embedded finance at scale; relevant broad incumbent competing for the same Korean SME credit and cash flow wallet.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/276holdings

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about 276 Holdings